Nikhil Salian

Credit Manager @SMFG India Credit

Mumbai, IN

Overseeing credit hindsight reviews for loans disbursed via the Straight Through Process (STP) across multiple fintech partners, with a focus on unsecured lending products. Responsible for conducting monthly parameter validations and compliance checks to identify policy deviations and control gaps in partner-wise portfolios.Delivering trend-based analytics and visual dashboards using Excel, SQL, and Power BI, presented in monthly risk governance meetings with internal stakeholders and partners. Collaborating with credit policy, tech, and partner management teams to implement corrective actions in the Business Rule Engine (BRE) and overall system logic based on hindsight findings.Performing regular portfolio-level testing across partners to highlight inconsistencies in loan origination, distribution, and repayment performance. Supporting internal and external audits by addressing discrepancies, documenting observations, and recommending remediation plans. Key AchievementSpearheaded the automation of the credit hindsight process, replacing manual audit sampling with a rule-based validation framework using Python and SQL. This initiative enabled:100% portfolio coverage over limited manual samplingReal-time policy deviation alertsAutomated partner-wise dashboards for exception tracking and compliance reviewThis automation significantly reduced manual workload, improved turnaround time for hindsight reviews, and is now being integrated into the governance MIS and early warning system roadmap to enhance portfolio monitoring and strategic risk management.